Reclaim Unfair Bank Charges Discussion Area

cam2002

I am in the throws of filing my claim on the Moneyclaim website and have used the pre written "Particulars of claim" statement however this statement is to long and goes over the 1080 charachters your allowed. Can anyone help or advise what i can remove or how I can get round this? Cheers. I want the money for christmas!!

clarenic

Hi
Are you trying to get two accounts on there?
I tried that and there was nothing I could do to reduce it so I ended up doing it on two separate claims as it made it easier to read as well.
I think otherwise you need to go to a court to get another form. I think it gives the name of that form on the CAG website.
Hope this helps a bit,

Clare

Red_Panda_2

cam2002 wrote:

I am in the throws of filing my claim on the Moneyclaim website and have used the pre written "Particulars of claim" statement however this statement is to long and goes over the 1080 charachters your allowed. Can anyone help or advise what i can remove or how I can get round this? Cheers. I want the money for christmas!!

A few people are having this problem, try this one:

Claimant has had an account 9Number) with
defendant for over 6 years and conducted on
their standard terms and conditions.
Claimant is claiming the return of (amount)
taken by the defendant in charges
over 6 years. The defendants charges are a
disproportionate penalty and therefore
unenforceable as they are contrary to
common law. They are also invalid under
the unfair terms in Consumer Contracts
Regulations 1999 Para 8 and sec 2.1.e. In
the event that the charges are not a
penalty they are unreasonable within the
meaning of the supply of goods and services
act 1982 s.15. Defendant has declined
justification of charges despite repeated
requests. The claimant claims interest
under section 69 of the County Courts Act
1984 at the rate of 8% a year from
(date)to (date) of (amount)and
also interest at the same rate up to the
date of judgement or earlier payment at a
daily rate of (amount)

Thats from another which has been re jigged and it fitted fine.

165721

fkelanne wrote:

hiya, after reading the posts i have sent two letters off one to HSBC for £2406 and capital one for £170. I foned HSBC 2day to see if they had got my letter and they said they had and its getting dealt with. fingers crossed i can full amount.
I have just logged into my cap one account and as i am £93 over my limit they have charged me £12 not the £20 they have charged in the past.
Has any1 else found this? They must of gotting my letter aswell. so they no they r in the wrong.

This £12 is what the credit card companies were told was more like a fair amount, so this is what they all charge now instaed of the larger ones they charged before.

165721

vauxhall_babe wrote:

Hi
Well I've finally went ahead and send in the initial letter to my bank requesting the charges but... I put 6 yrs but I live in Scotland and only just read earlier in this thread that its only 5 yrs for us Scots.

Those that have had the costs from the Lloyds TSB, can I ask do they really break it down into months/year for the charges, that way I can ignore the initial year if you see what I mean and just work out the 5yrs. I'm just wondering how detailed the info is they send you.

My letter only went in the mail this afternoon as well, with the payment, and I would hate to have to send another one apologising that it should have read 5yrs. Looking unprofessional right at the outset!
Thanks for any replies.

You should get a list of charges with dates and whatb they were for, so you will be able to extract what you need. Don't worry and good luck!

165721

kimmie32 wrote:

I have just gone through all my statements from Kays the catalogue company and i have been charged £128.93 in the past 7 months for something called account cover plus! I have never signed for this or agreed can i claim this money back?????

I would check with them what this is, and then ask for a copy of the agreement that you signed and a transcript of the call where they explained to you what it was and you agreed to pay it. If they can't prove you agreed for this to be taken, then you may have a case. It sounds like insurance.

165721

pcg wrote:

I wish to start proceedings for the return of my money but have a loan with Loans Direct who are owned by Lloyds, I am very worried that they will call in this loan if I am successful and also that they would be legally entitled to do so.
I would be grateful if anyone could help me with this

Have a look through http://forums.moneysavingexpert.com/showthread.html?t=294880
and or make a post in there, you might find your answer...

fizzyhelen

pcg wrote:

Did they close his account? thanks for the help

Nope, but he opened a parachute account with Nat West just in case, I haven't heard of any accounts being closed yet.
Helen

fizzyhelen

clarenic wrote:

Hi

I'm a bit confused what to do now - I contacted MCOL to see how best to send them the schedule of charges - they said they can't anything to my claim at this stage and only will if they receive a defence?

Does this sound right to you?

Clare

Hi Clare
I'm not sure, this is the advice from the CAG website. Maybe wait 'til they file a defence and then send a copy to the court that your case is allocated to.
Helen

icecool_2

I am going to go about trying to recalim past bacnk charges which have been racking up since i changes my job last year. Basically my income became split into two parts but my outgoings stayed the same i.e. things coming out at the same time of the month. Over the month there was enought money going in but as you can imagine half way thorough i have been going overdrawn and being given these serious charges £25 her upto £100 at times.

I am new to posting on this site and have read a few stroies which seem to be of success, i dont fancy court, i dont understand it have never been and have i suppose a preconception that it would be expensive? in general do people get these charges back or at least most of it?

any replys appreciated. Thanks